SHF Holdings, Inc.

SHF Holdings, Inc.

SHFS
SHF Holdings, Inc.US flagNASDAQ Capital Market
0.08
USD
-0.01
- -
1.02MMarket Cap
SHF Holdings, Inc.
SHFS
(NASDAQ Capital Market)

Recent

price

0.08

P/E

ratio

- -

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
TTM
FRC
8.59
7.49
-34.34
6.87
6.32
4.05
2.25
Revenue per Share
5.47
3.51
-37
-8.12
-17.43
-0.82
-1.01
Basic EPS, GAAP
5.29
3.14
1.77
-0.49
0.16
-1.17
-0.94
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
4.65
7.84
4.31
12.59
-4.41
1.92
0.49
Book Value per Share
4.65
7.84
-20.88
9.01
-4.41
1.92
0.49
Tangible Book Value per Share
1
1
1
2
3
3
5
Basic Weighted Avg Shares
8
7
-33
15
18
12
11
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
1
1
- -
- -
Depreciation Expense
5
3
-35
-17
-48
-2
-4
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
63.66
46.92
107.73
-118.24
-275.91
-18.25
-34.79
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
1
12
11
1
- -
LT Debt
4
7
5
34
-12
8
6
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
56.22
-564.21
-87.56
- -
- -
-229.75
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
1
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
5
12
Market Capitalization
54
45
36

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7
6
6
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
2
ST Debt
- -
- -
- -
Deferred Revenue
3
3
3

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
61.47%
-167.02%
Free Cash Flow
- -
-256.14%
-893.93%
Net Income, GAAP
- -
-234.24%
-95.53%
Sales/Revenue/Turnover
- -
-147.13%
-32.4%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
5
4
4
18
2025
3
2
1
6
12
2026
2
2
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.74
0.34
0.13
- -
-17.43
2025
-0.3
-0.33
0.06
- -
-0.82
2026
-0.43
-0.36
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
SHF Holdings, Inc. (SHFS) provides financial services to institutions serving the cannabis industry through its subsidiaries and proprietary platform, Safe Harbor Financial; core offerings include business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier and vaulting services, remote deposit services, automated clearing house payments and origination, debit and wire payments, regulatory compliance consulting, know-your-customer and Bank Secrecy Act compliance software, origination and servicing of cannabis-related deposit business, and sourcing, underwriting, servicing and administration of loans to cannabis businesses and related entities; additional services encompass online and mobile banking with account balances, statements, transfers, bill pay and electronic statements, treasury management including payables and receivables, vendor pay, payroll, tax support, and personal banking for cannabis employees. The company operates nationwide in the United States, partnering with FDIC- and NCUA-insured banks and credit unions to deliver compliant banking, lending, digital payments and cash handling for licensed cannabis operators including dispensaries, cultivators, manufacturers, distributors, hemp, CBD and ancillary businesses. Founded in 2015 and headquartered at 1526 Cole Boulevard, Suite 250 in Golden, Colorado, SHF Holdings recently regained Nasdaq compliance through a September 2025 recapitalization raising $6.8 million in new capital including Series B proceeds while eliminating substantially all debt, announced a $150 million equity line of credit expandable to $500 million with CREO Investments to fund cannabis lending and fintech expansion, introduced a Fully Managed Cannabis Banking Program for deposit growth and compliance outsourcing, extended partnerships with Wurk for workforce management and FundCanna for capital access, and reported Q3 2025 net income of $179,508 with average monthly deposits of $108 million across 774 active accounts.

Company News

  • Safe Harbor Announces Preliminary Third Quarter 2026 Deposit Results

  • Nayax (NASDAQ:NYAX) & SHF (NASDAQ:SHFS) Head-To-Head Analysis

  • Analyzing SHF (NASDAQ:SHFS) & Bonk (NASDAQ:BNKK)

  • Safe Harbor Financial Announces the Implementation of a Reverse Stock Split

  • Safe Harbor Institutional Named Top Business Solutions Company at 2026 PBC Cannabis Banking Conference

  • Safe Harbor to Address Banking and Capital Access for Colorado Cannabis Operators at IgniteIt Market Spotlight 2026

  • Safe Harbor Institutional to Highlight Scalable Cannabis Banking Infrastructure at PBC Conference

  • Safe Harbor Financial Reports Second Quarter 2026 Results and Provides Corporate Update

  • Safe Harbor's Cannabis-Focused 401(k) Plan Gains Early Adoption as Canopy HR Names It the Recommended Retirement Solution for its Clients

  • Safe Harbor Financial Series B Preferred Conversion Price and Warrant Exercise Price Reset to $1.5528 Following Conclusion of Temporary Reduction Period

  • Safe Harbor Introduces Its Operating Model for Cannabis Banking at ACB Cannabis Banking eXperience Conference

  • Safe Harbor Introduces Its Operating Model for Cannabis Banking at ACB Cannabis Banking eXperience Conference

  • Zacks Initiates Coverage of Safe Harbor With Neutral Recommendation

  • Safe Harbor Financial Expands Board of Directors with Appointment of Tyler Klimas and Sean Tonner

  • Safe Harbor Financial Reports First Quarter 2026 Results and Provides Corporate Update

  • Safe Harbor Expands Financial Platform with Enhanced Lending Capabilities to Support Cannabis Industry Growth

  • Safe Harbor Financial Applauds Historic Federal Cannabis Rescheduling Action, Citing Potential Benefits to Operator Economics, Deposit Quality, and Total Addressable Market

  • Safe Harbor Introduces 401(k) Plan Built for Cannabis Employers

  • Safe Harbor Financial Fourth Quarter and Full Year 2025 Results, Highlighting Sequential 12% Sales Growth, Balance Sheet Transformation and Operational Progress

  • Contrasting SHF (NASDAQ:SHFS) and Jefferies Financial Group (NYSE:JEF)